Envelope Budgeting: Fundkeep
Cash Stuffing, No Subscription
Fundkeep is envelope budgeting, the zero-based method, for iPhone, iPad and Mac. You decide what every dollar is for before you spend it, and the board tells you what is actually left. Bought once. No subscription, no account, no bank login.
- Platform
- Mac, iPhone and iPad
- Price
- Free to try, one-time unlock
What it does
Envelopes that tell the truth
Money arrives, you assign it, each envelope shows what remains. Overspend one and the app says so plainly.
Credit cards done right
A card purchase moves money into that card's payment envelope the moment you spend it.
Your bank's CSV, read on device
Export a statement and Fundkeep works out the columns itself. Import the same file twice and nothing is duplicated.
No server
Your budget never leaves your devices.
More screens
Questions and answers
What is envelope budgeting?
You give every dollar a job before you spend it. Money arrives, you assign it across envelopes until nothing is left unassigned, and each envelope shows what is genuinely left. Overspend one and the app says so plainly, then carries the rest forward the way the method expects.
Does Fundkeep connect to my bank?
No, and that is deliberate. It never asks for a bank login and has no bank integration of any kind. You type transactions, or you export a CSV from your own bank and pick the file yourself. It is read on your device and you see every row before anything is saved.
Can I move over from YNAB or another budgeting app?
Yes, if it can export. Fundkeep reads the export, rebuilds your categories, accounts and history, then shows a reconciliation report with every difference it found. You check the numbers before you commit to them.
How do credit cards work?
A card purchase moves money into that card's payment envelope the moment you spend it. The bill is covered before it lands, which is how the envelope method expects cards to be handled.
Is there a subscription?
No. $39.99 once for iPhone, iPad and Mac. The first 14 days are free with nothing withheld. After that the app becomes read-only until you buy it, and CSV export keeps working. It needs iOS 26, iPadOS 26 or macOS 26 or later.